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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,824 | $72,404-50.5% | $110,243-67.5% | $64,173-44.2% |
| Participation rate | 94.1% | 73.3%+20.8pp | 79.8%+14.3pp | 69.6%+24.5pp |
| Annual return | -4.83% | -6.29%+1.5pp | 314.76%-319.6pp | 7.63%-12.5pp |
| Employer contribution / active EE | $2,454 | $2,282+7.6% | $3,827-35.9% | $2,381+3.1% |
| Participant deferral / active EE | $3,550 | $3,469+2.3% | $4,672-24.0% | $3,470+2.3% |
| Admin fee / account holder | $3,327 | $5,664-41.3% | $8,548-61.1% | $4,887-31.9% |